Below are the complete branch details for Axis Bank, THE MODA CENTRAL COOPERATIVE BANK LTD branch, located in MOGA, PUNJAB. The IFSC assigned by the Reserve Bank of India to this branch is UTIB0SMCB01. Whether you want to transfer money, add a beneficiary, verify a cheque or simply confirm the branch address, you will find authentic, up-to-date information on this page that has been cross-checked against the bank's branch directory and the RBI's master list of participants in the National Electronic Funds Transfer system.
The IFSC code is one of the most frequently asked-for pieces of information when somebody wants to send you money or set up a recurring credit such as a salary, EMI auto-debit or supplier payment. Knowing exactly which IFSC belongs to your branch — in this case UTIB0SMCB01 for Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD — saves you from rejected transfers, returned credits and the back-and-forth that follows them.
The Indian Financial System Code, popularly known as IFSC, is an 11-digit alphanumeric code that the RBI assigns to every bank branch participating in online interbank settlement. Without this code, an electronic transfer simply cannot reach its destination branch.
The IFSC for Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD is UTIB0SMCB01. The first four letters UTIB are the bank's identifier, the fifth digit is reserved as 0, and the trailing six characters SMCB01 map to this branch in MOGA, PUNJAB.
Bank profile
Axis Bank is among the recognised banks listed on the Reserve Bank of India's payments network. The The Moda Central Cooperative Bank Ltd branch — IFSC UTIB0SMCB01 — extends the bank's services to customers in and around Moga, Punjab.
About the The Moda Central Cooperative Bank Ltd branch
The The Moda Central Cooperative Bank Ltd branch of Axis Bank is situated at G. T. ROAD, MOGA. Customers visiting this branch can complete cash deposits, withdrawals, demand draft requests, cheque clearing, passbook updates and KYC formalities. For online transactions to or from this branch, the IFSC code UTIB0SMCB01 is used.
Branch details at a glance
| Bank Name | Axis Bank |
|---|---|
| Branch | The Moda Central Cooperative Bank Ltd |
| IFSC Code | UTIB0SMCB01 |
| MICR Code | Refer to cheque leaf |
| Branch Address | G. T. ROAD, MOGA |
| City | Moga |
| District | Moga |
| State | Punjab |
The role of IFSC in India's payments network
India's electronic payment infrastructure — NEFT, RTGS, IMPS, UPI and the National Automated Clearing House (NACH) — is built on a single principle: every participating bank branch must be uniquely identifiable by an alphanumeric code. The Reserve Bank of India introduced the IFSC system to fulfil this requirement, and that is how Axis Bank's THE MODA CENTRAL COOPERATIVE BANK LTD branch came to be assigned the code UTIB0SMCB01.
Whether you are receiving a salary on the first of the month, paying a vendor invoice, settling an EMI, or accepting a refund from an e-commerce platform, the IFSC is the silent piece of metadata that tells the network where your account lives. Without IFSC UTIB0SMCB01, money simply cannot be routed to the THE MODA CENTRAL COOPERATIVE BANK LTD branch electronically.
MICR code & cheque clearing
Apart from IFSC, every cheque book issued by Axis Bank carries a 9-digit MICR (Magnetic Ink Character Recognition) code that is read by cheque-sorting machines. The MICR code, the IFSC UTIB0SMCB01 and the account number together uniquely identify the The Moda Central Cooperative Bank Ltd branch and your account. The MICR for this branch is printed at the bottom of your cheque leaves.
How to transfer money using IFSC UTIB0SMCB01
Online transfers in India are powered by three major channels — NEFT, RTGS and IMPS — and each one requires a destination IFSC. Below is a quick guide for using IFSC UTIB0SMCB01 across all three.
NEFT to Axis Bank, THE MODA CENTRAL COOPERATIVE BANK LTD using IFSC UTIB0SMCB01
National Electronic Funds Transfer is the simplest way to move money into an account at this branch. NEFT works around the clock, including Sundays and public holidays, and settles in half-hourly batches.
To send funds, add the recipient as a beneficiary in your bank's online portal, key in the account number, paste the IFSC UTIB0SMCB01, and confirm that the system picks up Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD. Submit the transfer request, authenticate with OTP, and the amount will reach the beneficiary in the next clearing cycle.
RTGS transfers via IFSC UTIB0SMCB01
RTGS (Real-Time Gross Settlement) is the fastest high-value transfer mechanism in India. It is meant for transfers of ₹2 lakh and above and settles each transaction individually and instantly. To remit through RTGS to Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD, ensure your bank's portal accepts IFSC UTIB0SMCB01 while registering the beneficiary. RTGS is also available 24x7.
Send money instantly through IMPS
For a real-time, anytime transfer to Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD, use IMPS. With IFSC UTIB0SMCB01 and the beneficiary's account number you can move up to ₹5 lakh per transaction with instant credit, any day of the year.
NEFT vs RTGS vs IMPS — which one should you use?
All three modes accept the IFSC UTIB0SMCB01 for Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD, but they differ in speed, minimum amount and use case. The table below summarises the differences so you can pick the right channel for the situation at hand.
| Parameter | NEFT | RTGS | IMPS |
|---|---|---|---|
| Minimum amount | ₹1 | ₹2,00,000 | ₹1 |
| Maximum amount | No RBI cap | No RBI cap | ₹5,00,000 |
| Settlement | Half-hourly batches | Real-time | Real-time |
| Availability | 24x7 | 24x7 | 24x7 |
| Best for | Routine transfers | High-value transfers | Urgent small / mid transfers |
| IFSC required | Yes – UTIB0SMCB01 | Yes – UTIB0SMCB01 | Yes – UTIB0SMCB01 |
For most retail customers crediting the The Moda Central Cooperative Bank Ltd branch, NEFT or IMPS will be the quickest and most economical option. RTGS comes in for one-off, high-value movements such as property purchases, vendor settlements or large gifts.
How UPI relates to the IFSC code
UPI lets you pay using a short Virtual Payment Address instead of typing the IFSC every time, but behind the scenes every UPI mandate is mapped to an account number plus an IFSC. For accounts at Axis Bank's THE MODA CENTRAL COOPERATIVE BANK LTD branch, the IFSC UTIB0SMCB01 is what the National Payments Corporation of India (NPCI) uses to route the credit when you tap Pay on a UPI app.
That is why, even in the UPI era, it is still worth knowing the IFSC of your home branch — for failed UPI mandates, e-mandate set-ups, third-party platform onboarding and salary or refund credits.
Products and account variants supported
Every account opened at the The Moda Central Cooperative Bank Ltd branch is mapped to IFSC UTIB0SMCB01 on the RBI payments network. The branch generally supports the full retail product catalogue of Axis Bank, including:
- Resident savings accounts and salary accounts
- Current accounts for businesses and professionals
- Fixed deposits, recurring deposits and tax-saver deposits
- Demand drafts, banker's cheques and pay orders
- Retail loans — personal, vehicle, education, gold and home
- Credit cards and overdraft facilities (subject to eligibility)
- Third-party investment products such as mutual funds and insurance (through tie-ups)
Whichever product you choose, the IFSC for incoming credits remains UTIB0SMCB01.
Banking services available
The The Moda Central Cooperative Bank Ltd branch typically offers the following services. Specific products may vary by branch size; please confirm with the branch on the branch contact number.
- Savings, current and salary accounts
- Fixed deposits and recurring deposits
- Personal, vehicle and home loans
- Demat and investment products (where supported)
- Internet banking and mobile banking enrolment
- Debit and credit card issuance
- Locker facilities (subject to availability)
- Foreign exchange services (at authorised branches)
- Bill payments, demand drafts and pay orders
- NEFT / RTGS / IMPS / UPI fund transfers using IFSC UTIB0SMCB01
Online banking and IFSC UTIB0SMCB01
Axis Bank customers can register for net banking and the bank's official mobile app once their account at the THE MODA CENTRAL COOPERATIVE BANK LTD branch is active. Net banking lets you view balances, download statements, open fixed deposits, request cheque books and initiate NEFT/RTGS/IMPS transfers — all without setting foot in the branch. The IFSC UTIB0SMCB01 is pre-filled by the bank for transfers originating from your own account, and you only need to enter it manually when adding an external beneficiary or sharing your account details with a third party.
Reaching the branch
The The Moda Central Cooperative Bank Ltd branch sits at G. T. ROAD, MOGA. If you are travelling from outside Moga, search for the branch on a maps application using the bank name and locality, or call the branch contact number to ask for landmarks. Many customers find it easier to skip the trip altogether: net banking, mobile apps, NEFT, RTGS, IMPS and UPI all work using the IFSC UTIB0SMCB01 and your account number.
Common mistakes to avoid when using IFSC UTIB0SMCB01
An incorrect IFSC almost always results in a failed transfer or, worse, a credit to the wrong branch. Before you click Confirm on a transfer to Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD, double-check for these issues:
- Confusing 0 with O. The fifth character of every IFSC is the digit
0, not the letter O. Read carefully. - Spaces or hyphens. Do not put spaces in the IFSC. It is exactly 11 characters:
UTIB0SMCB01. - Wrong branch. A bank can have dozens of branches in the same city. Make sure you are using the IFSC for the actual branch where the beneficiary holds the account, not just any nearby branch.
- Old IFSC after a merger. If two banks have merged, the IFSC may have been reissued. Always verify with a recent passbook or cheque leaf.
- Copy-paste from chat. Auto-correct on phones can silently change letters in IFSC codes. Type carefully or copy from a trusted source like the cheque book.
Branch banking hours and holidays
Indian bank branches typically operate from 10:00 AM to 4:00 PM, Monday to Friday, and from 10:00 AM to 2:00 PM on working Saturdays (usually the 1st, 3rd and 5th Saturdays). The The Moda Central Cooperative Bank Ltd branch is closed on the 2nd and 4th Saturdays, all Sundays and on national or regional bank holidays. Online channels using IFSC UTIB0SMCB01, however, work 24x7.
Other ways to verify the IFSC code
While this page already lists the verified IFSC UTIB0SMCB01 for Axis Bank – THE MODA CENTRAL COOPERATIVE BANK LTD, you can cross-check the code from any of these sources before initiating a high-value transfer:
- The front of the cheque book issued by the branch – the IFSC is printed at the top of every leaf.
- The first page of your passbook.
- The bank's official website under the branch locator.
- The Reserve Bank of India's IFSC search portal.
- Net banking dashboards usually display the home-branch IFSC under account details.
Branch address & contact
Axis BankThe Moda Central Cooperative Bank Ltd Branch
G. T. ROAD, MOGA
Moga, Punjab
Phone: the branch contact number
IFSC: UTIB0SMCB01
Frequently asked questions
How quickly will an NEFT transfer using UTIB0SMCB01 be credited?
NEFT settles in half-hourly batches around the clock. Most transfers to Axis Bank – The Moda Central Cooperative Bank Ltd reflect within 30 minutes.
Where is Axis Bank The Moda Central Cooperative Bank Ltd branch located?
Axis Bank's The Moda Central Cooperative Bank Ltd branch is located at G. T. ROAD, MOGA, Moga, Punjab.
Can I use IFSC UTIB0SMCB01 for IMPS transfers?
Yes. IMPS works 24x7 and you only need the beneficiary's account number plus IFSC UTIB0SMCB01 to send funds instantly.
Is IFSC UTIB0SMCB01 the same for all accounts at The Moda Central Cooperative Bank Ltd branch?
Yes. The IFSC UTIB0SMCB01 is shared by every account held at Axis Bank's The Moda Central Cooperative Bank Ltd branch. Only the account number changes from customer to customer.
Is IFSC UTIB0SMCB01 valid for NEFT and RTGS?
Yes. IFSC UTIB0SMCB01 is valid for all RBI-supported electronic transfer channels including NEFT, RTGS and IMPS.
What is the difference between IFSC and MICR code?
IFSC is an 11-character alphanumeric code used for online transfers, while MICR is a 9-digit numeric code printed on cheques and used by cheque-clearing machines. Both identify the The Moda Central Cooperative Bank Ltd branch but serve different purposes.
Summary
The IFSC code UTIB0SMCB01 belongs to Axis Bank's THE MODA CENTRAL COOPERATIVE BANK LTD branch, located at G. T. ROAD, MOGA in MOGA, PUNJAB. Use this code along with the beneficiary's account number for any NEFT, RTGS or IMPS transfer to this branch. Bookmark this page for quick reference whenever you need the branch's banking details.
